Checking Options

First Option Bank offers a full menu of checking options that are designed to fit every lifestyle and need. From our Free Checking to VIP Checking options, we’re here to serve you and can help you find the account that is best for you.

Free Checking

This is a simple, free, convenient account with unlimited check writing and check card transactions. Automated Overdraft Privilege may apply.

Minimum opening deposit of $100

Maximum Overdraft Privilege of $300

No monthly service charge

No minimum balance requirement

Unlimited check writing privileges

FREE transactions at First Option Bank ATMs

FREE Instant Issue Visa® check card

FREE Internet Banking and FREE Online Bill Pay

VIP and VIP Plus Checking

First Option Bank’s VIP accounts are designed for those Very Important People of all ages who are interested in extra services. Enjoy the special benefits and privileges with both club accounts that are available just for our VIP members. VIP Plus members can enjoy earning interest on their funds too!

Special VIP Privileges

FREE special VIP checks or 40% off other checks of choice

FREE money orders

FREE cashiers checks

FREE limited photocopies

Special tiered rates for Certificates of Deposit

Investment, retirement and trust referral services

VIP Account

Minimum opening deposit of $500

No monthly service charge when maintaining a $500 minimum balance or an average balance of $1,000 each statement period

Low monthly fee if balance falls below minimum

Unlimited check writing privileges

Increased Overdraft Privilege limit of $500

FREE Instant Issue VISA® Check Card

FREE Internet Banking and FREE Online Bill Pay

VIP Plus Account

Minimum opening deposit of $2,500

Tiered interest rates

No monthly service charge when maintaining the $2,500 minimum balance

Nominal monthly fee if balance falls below minimum

Unlimited check writing privileges

Increased Overdraft Privilege limit of $500

FREE Instant Issue Visa® Check Card

FREE Internet Banking and FREE Online Bill Pay

First Market Plus

A First Market Plus account combines the best of bank and brokerage money market accounts into one. Individuals may enjoy the competitive rates this interest bearing account offers.

Minimum opening deposit of $50,000

No minimum balance requirement after account opening

Tiered rates available

Unlimited check writing privileges

Monthly statements

FREE Instant Issue Visa® Check Card

FREE Internet Banking and FREE Online Bill Pay

First Insured Money Market

This is an insured money market account with limited transactions for individuals who want to have easy access to their funds while earning interest.

Minimum opening deposit of $500

Earns a higher interest rate than our VIP Plus or savings account

Interest paid monthly

No monthly fees if a minimum balance of $500 or average daily balance of $1,000 is maintained

FREE Internet Banking and FREE Online Bill Pay

Transactions are limited per Federal regulation to six transfers or six checks per month to a third party

A fee of $1.50 is charged for each withdrawal or transfer to a third party after the first six